Struggling To Make Your Credit Card Payments? Here Are SomeTips To Help Get Back On Track (NAPSA)—For many Americans, the current economic down- turn has led to difficulty in making their credit card payments. Some are confused about where to turn for help and are unaware of resources available to assist them in managingtheir credit. Joe Ganley, spokesperson for Help With My Credit, a new resource provided by leading credit card issuers and payments of the company that issued your credit card, look on your monthly statement, or you can usually find its contact information by looking on the back of your card. If you think you may soon miss a payment, it’s better to talk with the company that issued your credit card now,rather than wait- ing until you fall behind. @ networks, offers some tips about what to do and where to turn for assistance. What should I do if I am struggling with my credit card payments? Oftentimes, individuals struggling with credit card payments make the mistake of not taking any action when they beginto fall behind on their payments. If you think you may soon miss a payment, it’s better to talk with the company that issued your credit card now, rather than wait- ing until you fall behind. If you are already behind in making your payments, it’s still a good idea to call your credit card com- pany if you haven’t already. Credit card companies are just as inter- ested in ensuring that you stay in a position of being able to make your paymentsas you are. To locate the telephone number and contact an accredited credit counseling agency. What if I am struggling to make payments on more than one card or am struggling with other payments such as my mortgageor a car loan? If you are having issues with multiple cards or multiple loans, you may want to consider speak- ing with an accredited credit counseling agency, which may be able to help you develop a plan to If ’m unsure about speak- deal with your current difficulties. How do I locate an accred- ing directly with my credit ited credit counseling agency? available resources? You can also call (866) 9411030, a toll-free numberoffered by credit counseling agency byvisit- card issuer, are there other Help With My Credit, and speak with a live operator who can provide information about sources of payment assistance, such as spe- cialized customer service representatives within some of the leading credit card issuers. The operator can also help determine whether you should consider speaking with an accredited credit counseling agency. You can also visit www.HelpWithMyCredit.org, which offers tools and information to help consumers better understand how to managetheir credit cards, effectively communicate with their credit card issuer, andidentify You can find an accredited ing www.HelpWithMyCredit.org, which includes information about credit counseling and links to additional resources. Whostarted Help With My Credit? Help With My Credit is a new resource provided by leading credit card issuers and payments networks that is designed to make it easier for consumers to accesstools and information that can help them get back on track. Participating companies currently include credit card issuers Bank of America, Capital One, Citi and Discover Card, in cooperation with pay- ments networks MasterCard and Visa.
